Requirements for driving in Ontario adapted from the

Requirements for driving in Ontario: adapted from the MTO DRIVERS HANDBOOK Licensing & Registration Purpose: The become acquainted with the laws and procedures for obtaining a drivers license, registering and owning a vehicle in Ontario.

If you live in Ontario, you must be at least 16 years old and have a valid Ontario driver’s licence to drive in this province. If you are a visitor to Ontario and want to drive while you are here, you must be at least 16 years old and have a valid driver’s licence from your own province, state or country. If you are from another country and visiting Ontario for more than three months, you need an International Driver’s Permit from your own country. If you don’t have an International Driver’s Permit, you can apply for an Ontario driver’s licence if you are taking up residence in Ontario. If you are a new resident in Ontario and have a valid driver’s licence from another province, state or country, you can use it for 60 days after you move to Ontario. If you become a resident of Ontario, you must get an Ontario driver’s licence. Ontario has license exchange agreements with every Canadian province and territory, the United States, Japan, Korea, Austria, Germany, Switzerland, Great Britain, France and Belgium.

Driver’s License Classifications Class A Allowed to drive any tractor-trailer combination May also drive vehicle in class D and G Class B Allowed to drive any school purposes bus May also drive vehicle in class C, D, E, F and G Class C Allowed to drive any regular bus. May also drive vehicles in class D, F and G school bus. Class D Allowed to drive any truck or combination provided the towed vehicle is not over 4, 600 kg May also drive vehicle in class G Class E Allowed to drive any school purposes bus – maximum of 24 -passenger capacity. May also drive vehicle in class F and G Class F Allowed to drive any regular bus – maximum of 24 -passenger capacity – and ambulances May also drive vehicle in class G Class G Allowed to drive any car, van or small truck or combination of vehicle and towed vehicle up to 11, 000 kg provided the towed vehicle is not over 4, 600 kg

Driver’s License Classifications Class G 1 Level One of graduated licensing. Holders may drive Class G vehicles with an accompanying fully licensed driver with at least four years’ driving experience. Subject to certain conditions. Class G 2 Level Two of graduated licensing. Holders may drive Class G vehicles without accompanying driver but are subject to certain conditions. Class M Allowed to drive any motorcycles, including limited-speed motorcycles (motor scooters) and motor-assisted bicycles (mopeds). Holders may also drive a Class G vehicle under the conditions that apply to a Class G 1 licence holder. Class M 1 Level One of graduated licensing for motorcycles, including limited -speed motorcycles (motor scooters) and motor-assisted bicycles (mopeds). Holders may drive a motorcycle under certain conditions. Class M 2 A Level Two of graduated licensing for motorcycles, including limited-speed motorcycles (motor scooters) and motor-assisted bicycles (mopeds). Holders may drive a motorcycle but only with a zero blood alcohol level. Holders may also drive a Class G vehicle under the conditions that apply to a Class G 1 licence holder.

Driver’s License Classifications Class M with L condition Holders may operate a limited-speed motorcycle or moped only. May operate a limited speed motorcycle or moped only. Class M 2 with L condition Holders may operate a limited-speed motorcycle or moped only. May operate a limited speed motorcycle or moped only. The class of licence you have must match the type of vehicle you are driving. You need a Class G licence to drive a car, van or small truck. You must have a Class G licence before you can be licensed to drive any other type of vehicle. The only exception is motorcycles. You may get a motorcycle licence (Class M) without first getting a Class G licence.

Applying for your Licence To apply for a licence, you must show proof of your legal name, date of birth (showing day, month and year of birth) and signature. Documents must be original and valid. Photocopies and expired documents are not acceptable. Any one of the following documents may be used to satisfy the requirement to provide proof of legal name, complete date of birth and signature: Passport (Canadian or foreign) Canadian Citizenship Card with photo Permanent immigration documents Permanent Resident Card (PRC) or Record of Landing (Form 1000) or Confirmation of Permanent Residence (Form IMM 5292) Temporary immigration documents Student Authorization (IMM 1442) Employment Authorization (IMM 1442) Visitor Record (IMM 1442) Temporary Resident’s Permit (IMM 1442) Refugee Status Claim (IMM 1434) Acknowledgement of Intent to Claim Refugee Status (IMM 7703 with photo) Report Pursuant to the Immigration Act (IMM 1442 with photo)

Additional Documents Additional documents are required if the document presented from the previous list does not indicate the legal name, complete date of birth (day, month, year) or signature. The additional documents must provide proof of missing or incomplete information. . The following documents are acceptable as proof of date of birth and legal name: Canadian or U. S. Birth Certificate The following documents are acceptable as proof of signature: Driver’s Licence (Canadian and U. S. only) Identity Card with signature (issued by Canadian province/territory or U. S. state authority) Canadian Certificate of Indian Status Ontario Student Card with signature Ontario Health Card with applicant’s signature (Clients may choose to produce their Ontario Health Card for proof of signature. The Health Card and Health Number will not be recorded or photocopied. )

Proof Of Legal Name If additional documents presented to prove date of birth or signature do not indicate the applicant’s legal name (i. e. name has been changed or is different on the two documents presented), the applicant will be required to provide additional documents as proof of legal name. The following additional documents are acceptable as proof of legal name: Marriage Certificate (Canadian or Foreign, government issued) Change of Name Certificate Court Order for adoption, change of name or divorce (must bear legal name, date of birth and court seal) To confirm complete date of birth where no or only partial date of birth is available: Sworn affidavit stating reason why partial or no date is available, with supporting documents. Please contact the Ministry of Transportation’s Driver and Vehicle Licensing Call Centre at (416) 235 -2999 or toll free at 1 -800 -3873445 (Canada-wide) for further information. Note: Direct identification by a parent or guardian is not acceptable. The applicant is required to present an acceptable document with his or her own signature.

Declaration from A Guarantor If an applicant is unable to present one of the previous documents as proof of signature, the applicant may present an original, completed Declaration from a Guarantor form attesting to their signature. Applicants must first ensure that no other acceptable documents for signature available from the list identified above. To obtain a Guarantor form: SEE DRIVERS HANDBOOK FOR DETAILS Applying for a licence Bring all needed documents. You must pay a fee when you apply. This fee includes the cost of the knowledge test, your first road test and a fiveyear licensing fee. There are more charges for your second road test and for any retests you may need to take. In order to schedule a road test appointment, you must prepay the road test fee. When you apply for your licence, you will be asked questions about your health. People with certain physical or medical conditions are not allowed to drive for safety reasons. If your physical or medical condition means you cannot be licensed, you will be told when you apply. Once you have a licence, you should report any change in your medical condition that may change your ability to drive safely. By law, doctors and optometrists must report the name and address of anyone over 16 who has a condition that may make it unsafe for him or her to drive.

By taking an MTO-approved Beginner Driver Education Course at a driving school, G 1 licence holders may qualify for a four-month reduction in the 12 -month minimum G 1 licensing period as well as a potential reduction in insurance premiums. Level One lasts 12 months. The Ministry of Transportation encourages all new drivers to take an approved driver education course to help learn the proper driving skills and knowledge. You should begin your training as soon as you become a Level One driver so you can get as much driving experience as possible. If you pass an approved course, you can complete Level One in eight months. While at Level One, the following rules apply: You must not drive if you have been drinking alcohol. Your blood alcohol level must be zero. You must not drive alone; an accompanying driver must sit in the front passenger seat. This is the only person who can be in the front seat with you while you drive. The accompanying driver must have a valid Class G (or higher) licence, at least four years of driving experience, and must have a blood alcohol level of less than. 05 per cent when accompanying you. Time spent at the Class G 2 level, as long as the G 2 licence was valid (not suspended), does count toward the accompanying driver’s four years of experience. The accompanying driver’s licence may have demerit points, but it cannot be suspended. Each person in the vehicle must have a working seatbelt. You must not drive on 400 -series highways with a posted speed limit over 80 km/h. Also you must not drive on certain high-speed roads including the Queen Elizabeth Way, Don Valley Parkway and the Gardiner Expressway in the Greater Toronto Area, the E. C. Row Expressway in Windsor and the Conestoga Parkway in Kitchener-Waterloo. However, if your accompanying driver is a driving instructor, you may drive on any road. You must not drive between midnight and 5: 00 a. m. You must pass a road test of your driving skills to move to Level Two. At this time, you will be given a Class G 2 licence. Graduated Licensing Requirement • •

By taking an MTO-approved Beginner Driver Education Course at a driving school, G 1 licence holders may qualify for a four-month reduction in the 12 -month minimum G 1 licensing period as well as a potential reduction in insurance premiums. Graduated Licensing Requirement • • Concerning insurance: In Ontario, a G 1 driver does not require his own insurance. The No-Fault insurance applies and covers them. However, the insurance company of the vehicle, (usually the parent’s vehicle), being used to train the driver, must be notified. If the parent’s car is a company car, the G 1 student is not allowed to drive this vehicle. Once the student goes from G 1 to G 2 then insurance is mandatory and the new G 2 driver must be named on the insurance policy. . Insuran ce Policy

New Ontario Residents • If you are a new resident of Ontario and have a valid driver’s licence from another province or country, you can use that licence for 60 days in Ontario. If you want to continue to drive after 60 days, you must get an Ontario driver’s licence. • PLEASE REFER TO THE ONTARIO DRIVERS HANDBOOK FOR ADDITIONAL STIPULATIONS IF YOU ARE A OUT-OF-COUNTRY APPLICANT.

Graduated Licensing New drivers applying for their first car or motorcycle licence enter Ontario’s graduated licensing system. Graduated licensing lets new drivers get driving experience and skills gradually. The 2 -step licensing process takes at least 20 months to complete. To apply for a licence, you must be at least 16 years old, pass a vision test and pass a test of your knowledge of the rules of the road and traffic signs. After you pass these tests, you will enter Level One and get a Class G 1 licence. You must pass two road tests to become fully licensed. Passing the first road test lets you move to Level Two (Class G 2) and the second one gives you full Class G driving privileges.

Graduated Licensing Requirement Level 2 Class G 2 • • Level Two lasts at least 12 months. At this level, you have more privileges because of your driving experience. At Level Two: You must not drive if you have been drinking alcohol. Your blood alcohol level must be zero. Each person in the vehicle must have a working seatbelt. In addition, the following restrictions apply between the hours of midnight and 5 a. m. to G 2 drivers aged 19 years and under, including those who received a G 2 licence prior to September 1, 2005. In the first six months after receiving your G 2 licence, you are allowed to carry only one passenger aged 19 or under. After six months with your G 2 licence and until you obtain your full G licence or turn 20, you are allowed to carry up to three passengers aged 19 or under. Exemptions: The passenger restrictions for G 2 drivers aged 19 and under do not apply if you are accompanied by a fully-licensed accompanying driver in the front passenger seat, or if the passengers are members of your immediate family (a guardian, or those related to you by blood, marriage, common-law relationship, or adoption). After 12 months at Level Two, you may take a road test to qualify for full licence privileges. You must pass this test to get a Class G licence.

Road Tests • • • Road tests check your driving skills in the vehicle and in traffic. You will be tested on your ability to follow the rules of the road and safe driving practices. The Level One road test deals with basic driving skills. The Level Two road test deals with more advanced knowledge and driving skills. Your performance in each of the tests will tell you whether you need more training or practice. You must bring the appropriate vehicle to each of your road tests. Make sure it is in good working order and you feel comfortable driving it. Bring your current licence to the appointment. If you are a Level One driver, an accompanying driver must come with you to the test centre. If you are a Level Two driver, please be prepared to take alternate transportation home in case you fail your road test and are unqualified to drive. No pets or passengers other than the driver examiner are allowed in the vehicle during a road test.

Road Tests • • • All road tests have a set time frame. Before you begin your test, the examiner will inform you of the amount of time you have to complete the test. You will not be asked to do anything illegal during the road test. The examiner will explain the test and you should follow her or his instructions. The examiner is not allowed to coach you during the test, if you have any questions, ask them before you begin. While the Level One road test checks your basic driving skills, the Level Two road test is much more demanding. You should learn the proper driving skills as soon as you become a Level One driver so you can get as much driving experience as possible before taking the Level Two test. For the Level Two test, you must demonstrate a high level of driving skill and knowledge. You will also have to show that you can drive well on a freeway or high speed highway.

Road Tests • • While you are taking the test, the examiner will be watching to see how well you control your vehicle and perform such driving tasks as starting, stopping, turning, parallel parking and three-point turning. The examiner will check your observation skills, including when and how often you use the mirrors, where you look, and how you respond to traffic, signs, pavement markings and possible hazards. You will be tested on how well you manage the space around your vehicle, your ability to make safe lane changes and how closely you follow and stop behind other vehicles. How you communicate with other road users — using turn signals and brake lights and making eye contact with other drivers and pedestrians will also be noted, as well as the correctness of your driving decisions, such as knowing when to yield the right-of-way. At the end of each test, the examiner will give you a complete report of your skills and explain any mistakes you have made. If you fail the test, the report will show you where you need to improve. When you have had more practice, you can make an appointment to take the test again. You must wait at least 10 days between tests.

Demerit system The demerit point system encourages drivers to improve their behaviour and protects people from drivers who abuse the privilege of driving. Drivers convicted of driving-related offenses have demerit points recorded on their records. Demerit points stay on your record for two years from the date of the offence. If you collect enough demerit points, you can lose your driver’s licence. New drivers As a Level One or Level Two driver, you will have your licence suspended if you collect nine or more demerit points during a two-year period. You will be sent a warning letter after two or more demerit points. At six points, you may have to go to an interview to discuss your record. If you don’t go to the interview, your licence may be suspended. At nine points, your licence will be suspended for 60 days. After the suspension, the number of points on your record will be reduced to four. Any extra points could again bring you to the interview level. If you reach nine points again, your licence can be suspended for six months.

Demerit system Probationary drivers are automatically suspended if they collect six demerit points. You will be reminded of this by letter the first time you get demerit points. Your licence is suspended for 30 days from the time you hand it over to the Ministry of Transportation. You can lose your licence for up to two years if you fail to hand over your licence. When the suspension is over, all points are removed from your driver’s record and a new probationary period begins. You will stay on probation until you complete two one-year periods without being suspended. If your probationary period lasts more than three years you may be asked to complete a Level Two road test to become a fully licensed driver.

Demerit system Fully licensed drivers If you collect six demerit points, you will be told about your record and urged to improve your driving habits. At nine points, you may have to go to an interview to discuss your record and give reasons why your licence should not be suspended. You may also have to complete a driver re-examination. If you fail this test, your licence can be cancelled. If you fail to attend an interview, or fail to give good reasons for keeping your licence, your licence may be suspended. At 15 points, your licence will be suspended for 30 days from the date you hand over your licence to the Ministry of Transportation. You can lose your licence for up to two years if you fail to hand over your licence. After the suspension, the number of points on your driver’s record will be reduced to seven. Any extra points could again bring you to the interview level. If you reach 15 points again, your licence will be suspended for six months.

Demerit table Here are the demerit point penalties for driving offences. 7 points Failing to remain at the scene of a collision Failing to stop for police 6 points Careless driving Racing Exceeding the speed limit by 50 km/h or more Failing to stop for a school bus 5 points Driver of bus failing to stop at unprotected railway crossing 4 points Exceeding the speed limit by 30 to 49 km/h Following too closely 3 points Exceeding the speed limit by 16 to 29 km/h Driving through, around or under a railway crossing barrier Failing to yield the right-of-way Failing to obey a stop sign, traffic light or railway crossing signal Failing to obey the directions of a police officer Driving the wrong way on a divided road Failing to report a collision to a police officer Improper driving where road is divided into lanes Crowding the driver's seat

Demerit table Going the wrong way on a one-way road Driving or operating a vehicle on a closed road Crossing a divided road where no proper crossing is provided Failing to slow and carefully pass a stopped emergency vehicle Failing to move, where possible, into another lane when passing a stopped emergency vehicle Improper passing 2 points Failing to lower headlight beam Improper opening of a vehicle door Prohibited turns Towing people - on toboggans, bicycles, skis, for example Failing to obey signs Failing to stop at a pedestrian crossing Failing to share the road Improper right turn Improper left turn Failing to signal Unnecessary slow driving Reversing on a divided high-speed road Driver failing to wear a seat belt Driver failing to ensure that a passenger less than 23 kg is buckled into seat belt or child safety seat Driver failing to ensure passenger under 16 years wearing seat belt Backing on a highway Driver failing to ensure child passenger is properly secured in an appropriate child restraint system or booster seat

Insurance The primary learning outcomes desirable from this section are as follows: 1) 2) 3) 4) Become knowledgeable concerning the various types of vehicle insurance and their functions Learn how a variety of factors contribute to higher or lower insurance rates Understand the correct procedures if involved in a collision Realize that there are “post-collision” considerations even days after the incident

Insuran ce Polic y

Insuran ce Policy Ontario law requires that all motorists have automobile insurance. Fines for vehicle owners, lessees and drivers who do not carry valid automobile insurance can range from $5, 000 to $50, 000. If you are found driving without valid automobile insurance, you can have your driver's licence suspended and your vehicle impounded. If you are convicted of driving without valid automobile insurance, your insurance company may consider you a "high-risk" driver and charge you higher premiums or refuse to sell you insurance altogether.

What is a definition of insurance? A system of protection against loss in which a number of individuals agree to pay certain $$$ sums for a guarantee that they will be compensated for a specific loss. Every province has insurance laws, requiring that you pay for damages that you cause. Policy

What are the different types of auto insurance? Third Party Liability Coverage Statutory Accident Benefits Coverage Direct Compensation – Property Damage Uninsured Automobile Coverage (these are required) (these are optional) Additional Liability and Benefits Coverage Extra Coverage for Loss or Damage to your Vehicle Other Optional Enhancements …let’s consider them one at a time

What is Liability? Liability insurance covers the damage you cause to other vehicles, people, or property Oops, my fault This section of your automobile insurance policy protects you if someone else is killed or injured, or their property is damaged. It will pay for claims as a result of lawsuits against you up to the limit of your coverage, and will pay the costs of settling the claims. By law you must carry a minimum of $200, 000 in Third-Party Liability coverage.

What is this? This section of your automobile insurance policy provides you with benefits if you are injured in an automobile accident, regardless of who caused the accident including supplementary medical, rehabilitation, attendant care, caregiver, nonearner and income replacement benefits.

What is this? This section of your automobile insurance policy covers damage to your vehicle or its contents, and for loss of use of your vehicle or its contents, to the extent that another person was at fault for the accident. It is called direct compensation because even though someone else causes the damage, you collect directly from your own insurer, instead of the person who caused the damage. Coverage under the DC-PD section of your automobile insurance policy only applies if the following conditions are met: the accident took place in Ontario; there was at least one other vehicle involved in the accident; and at least one of the other vehicles is also insured by an insurance company that is licensed in Ontario.

What is this? Protects you and your family if you are injured or killed by a hit-and-run driver or by an uninsured motorist. It also covers damage to your vehicle caused by an identified uninsured driver. “Hey, you get back here!”

What are they? Specified Perils Coverage: Pays for losses caused by one of the following perils: fire; theft or attempted theft; lightning, windstorm, hail, or rising water; earthquake; explosion; riot or civil disturbance; falling or forced landing of an aircraft or parts of an aircraft; or the stranding, sinking, burning, derailment or collision of any kind of transport in, or upon which an insured vehicle is being carried on land or water. Comprehensive Coverage: This coverage pays for losses, other than those covered by Collision, including perils listed under Specified Perils, falling or flying objects, missiles and vandalism.

What are they? Collision or Upset Coverage: This coverage pays for losses caused when an insured vehicle is involved in a collision with another object, including another vehicle, or rolls over. "Object" includes: another vehicle or a trailer that is attached to the vehicle that is covered by your insurance policy; the surface of the ground, and any object in or on the ground. All Perils Coverage: This combines Collision or Upset and Comprehensive coverages. In addition, it covers loss or damage caused if a person who lives in your home steals the vehicle that is covered by your insurance policy. All Perils also covers you if an employee who drives or uses, services or repairs that vehicle, steals it. For example, if you take your vehicle to a garage for repairs and an employee involved in the repair of your vehicle steals it, All Perils would cover you.

Increasing Your Liability and Accident Benefits Coverage Insuran ce Policy In addition to the mandatory minimum coverages that are required by law, you may purchase higher liability limits under your Third-party Liability coverage, as well as increased Accident Benefits coverages. Your insurance representative will be able to help you decide what level of coverage is best for you. Increased Third-Party Liability Coverage: While you are legally required to carry a minimum of $200, 000, you may want to increase this coverage. The cost to increase your Third-Party Liability coverage to $1 million or $2 million is small in most cases. Optional Accident Benefits Coverages: You may also want to consider increasing your Statutory Accident Benefits coverage by buying any or all of the optional benefits listed below. Income Replacement Benefits: If you cannot work as the result of an automobile accident, you may be eligible for basic weekly income replacement benefits of up to $400. If this is not enough to cover your current after tax income level, you may want to consider buying optional income replacement benefits to increase your maximum weekly protection to $600, $800 or $1, 000. Medical, Rehabilitation and Attendant Care Benefits: The standard maximum amount for medical and rehabilitation expenses, such as physiotherapy, chiropractic treatment, dental expenses, etc. , is $100, 000. If you are catastrophically injured, the standard maximum is $1, 000. The standard maximum for attendant care is $72, 000. If you are catastrophically injured, the standard maximum is $1, 000. You can buy optional benefits which will cover up to $1, 172, 000 in additional medical, rehabilitation and attendant care expenses, and up to $3, 000 for catastrophic injuries.

Increasing Your Liability and Accident Benefits Coverage Insuran ce Policy Caregiver Benefits: If you are providing care full-time to dependants and can no longer provide that care as the result of an automobile accident, you may be eligible for caregiver benefits if you need to hire someone to care for your dependants. The standard maximum amount for caregiver benefits is $250 per week for one dependant, plus $50 per week for each additional dependant. If you buy optional caregiver benefits, the coverage increases to $325 per week for one dependant, plus $75 per week for each additional dependant. Dependant Care Benefits: You can only claim optional dependant care benefits if you were employed at the time of the accident, are not receiving a caregiver benefit, and have to pay for additional childcare expenses as a result of the accident. Optional dependant care benefits cover up to $75 per week for the first dependant and $25 for each additional dependant. Death and Funeral Benefits: In the event that you die as a result of an automobile accident, the standard amount which will be paid is $25, 000 to your eligible spouse or same-sex partner, $10, 000 for each dependant, and a maximum of $6, 000 for funeral expenses. If you buy optional benefits, you can increase these amounts to $50, 000 to your eligible spouse or same-sex partner, $20, 000 for each dependant, and $8, 000 for funeral expenses.

No Fault Insurance: People involved in collisions What is No Fault recover their losses from their Insurance? own insurance company regardless of who is at fault…but with limitations as specified in the policy. No fault insurance is handled differently from province to province (G 1 drivers are covered under No-Fault Insurance) Some provinces have this to prevent over burdening the courts with litigation.

What do these terms mean? Premium: What you pay for your insurance coverage Most policies are for a 6 month period Deductible: The amount you agree to pay toward the repair or replacement of the vehicle. Your insurance company agrees to cover the balance up to the specified limits of the policy. to ce Auran u s In Selecting a higher deductible will require a greater out of pocket expense, but it will also__________ lower the premium

How are rates determined? Collision and Violation record Age of principal driver Type of vehicle and miles driven Gender of driver Martial status Where the driver lives

WHAT ARE SOME WAYS YOU CAN SAVE MONEY ON INSURANCE? Four Wheel Anti-lock brake system and passive restraints (Airbags or Automatic motorized seat belts) Anti-theft devices Good Driver Multi-Car Economy Car 55 and Retired Good Student Driver Education

Review time…how much do you remember?

1) A new driver in Ontario must be at least ______ to begin the process of obtaining a drivers licence. 2) True or False: If you are a new resident in Ontario and have a valid driver’s licence from another province, state or country, you can use it for 60 days after you move to Ontario. _____ 3) Licence class ______Allows one to drive any car, van or small truck or combination of vehicle and towed vehicle up to 11, 000 kg provided the towed vehicle is not over 4, 600 kg 4) True or False: A Birth Certificate is required in order to apply for a drivers license. ____________ 5) To receive a driver licence you must also furnish proof of your _______ name.

6) The Graduated licence process is a two-step process that takes at least ___ months to complete. 7) In addition to the written and road tests you must also pass a ______ test. 8) True or False: For the behind the wheel driving test, your vehicle must be in good working order, which includes many checks both inside and outside the vehicle. _______ 9) True or False: If you fail the driving test, you must wait at least one week before attempting to retake it. ______ 10) True or False: You must not drive on 400 -series highways with a posted speed limit over 80 km/h. ______

11) You must pass ___ road tests to become fully licensed. 12)Passing the first test lets you move to Level Two – Class_____ 12) At the G-1 level you are _______ from driving between 12 -5 am. 13) At Level G-1 you must have an accompanying driver in the front seat with at least ___ years of valid driving experience. 14) After 12 months at Level Two, you may take a road test to qualify for ____________privileges. You must pass this test to get a Class G licence. 15) True or False: If you are a Level Two driver, be prepared to take alternate transportation home in case you fail your road test and are unqualified to drive. _______

16) Liability insurance covers the damage you cause to other vehicles, people or property. TRUE or FALSE: _____ 17) If you were to crash with an expensive vehicle and it was your fault, your ___________would pay. 18) If it was your fault in a crash and there were injuries in the other car your ___________would pay. 19) Statutory Accident Benefits Coverage covers injury expenses for occupants in an insured vehicle regardless of who was at fault. TRUE or FALSE: _______ 20) Collision insurance pays the cost of repairing the owner’s car when the other driver is at fault in the collision? TRUE or FALSE: _______

21) What part of your insurance pays for a tree falling on your car during a storm? ___________ 22) After about 7 years of car ownership, most people will _______the comprehensive insurance on the car. 23) Some provinces with this type of insurance, the driver’s insurance policy only covers their own damages: ____ 24) It pays for injuries in the event of a hit and run collision or if those who hit you have no insurance: _______ 25) The amount you usually pay to an insurance company every six months is called a: ________ 26) The amount you agree to pay ahead of time toward the repair of the vehicle: _______

27) Selecting a higher deductible will usually result in a higher premium. TRUE or FALSE: ____ 28) TRUE or FALSE: Your premium rate is mostly based on your driving record, age, and type of vehicle. _______ 29) Married people, country dwellers and females will generally pay less than males, city people and singles? ____ 30) True or False: Owning an economy car with an anti-lock braking system is one way of reducing your premium. ______

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